TEM
ActiveTEM has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €172k and a net result of €-14k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 76% of 228 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
70
/ 100
Healthy▼ -4 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-16
Solvency100▲+29
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 3.25 against 1.39 in 2023), and 35.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 33
Relative position
BE, all sectors
reference
Sector 33
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
64.5%
Return on assets
-5.3%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-09-2025, 56 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
56 d late
2023
82 d late
2022
20 d early
2021
64 d late
2020
180 d late
2019
115 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
€1.01M
EBIT margin
5.9%
Net result
€-14k
2023 · €6k
2018: €168k
2019: €127k
2020: €154k
2021: €-3k
2022: €48k
2023: €6k
2018 → 2024
Working capital
€76k▼ 1.6%
2023 · €78k
2018: €88k
2019: €61k
2020: €58k
2021: €70k
2022: €62k
2023: €78k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€174k-€171k▼ 1.9%€189k▲ 10.4%€189k▲ 0.2%€172k▼ 9.1%
Operating result€45k-€-3k€59k€36k▼ 38.4%€17k▼ 54.1%
Net result€154k-€-3k€48k€6k▼ 87.7%€-14k
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 54% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €267k
Fixed assets
€157k▼ 14.4%
Current assets
€110k▼ 60.2%
Equity and liabilities €267k
Equity
€172k▼ 9.1%
Debt
€95k▼ 65.0%
The debt ratio falls from 58.9% to 35.5%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€52k▼
2023 · €74k
Cash flow
€21k▼
2023 · €44k
Solvency
64.5%▲
2023 · 41.1%
Current ratio
3.25▲
2023 · 1.39
Quick ratio
3.25▲
2023 · 1.39
Debt / equity
0.55▼
2023 · 1.43
ROE
-8.2%▼
2023 · 3.1%
ROA
-5.3%▼
2023 · 1.3%
Interest coverage
57.68▼
2023 · 202.89
Debt
€95k▼
2023 · €271k
Debt ≤ 1 year
€34k▼
2023 · €199k
Debt > 1 year
€61k▼
2023 · €71k
Income taxes
€10k▲
2023 · €7k
Staff costs
€38k▲
2023 · €35k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€460k€267k▼
Fixed assets21/28€183k€157k▼
Tangible fixed assets22/27€182k€156k▼
Land and buildings22€132k€128k▼
Plant, machinery and equipment23€1k€568▼
Furniture and vehicles24€49k€27k▼
Financial fixed assets28€1k€1k=
Current assets29/58€277k€110k▼
Amounts receivable within one year40/41€260k€98k▼
Trade receivables40€211k€33k▼
Other amounts receivable41€49k€65k▲
Cash at bank and in hand54/58€15k€8k▼
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€460k€267k▼
Equity10/15€189k€172k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€169k€152k▼
Amounts payable17/49€271k€95k▼
Amounts payable after more than one year17€71k€61k▼
Financial debts170/4€71k€61k▼
Amounts payable within one year42/48€199k€34k▼
Current portion of amounts payable after more than one year42€19k€8k▼
Trade debts44€170k€14k▼
Suppliers440/4€170k€14k▼
Taxes, remuneration and social security45€5k€9k▲
Taxes450/3€740€4k▲
Remuneration and social security454/9€4k€4k▲
Other amounts payable47/48€6k€3k▼
Income statement
Code20232024
Remuneration, social security and pensions62€35k€38k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€35k▼
Other operating charges640/8€5k€5k▲
Gross operating margin9900€114k€95k▼
Operating profit (loss)9901€36k€17k▼
Financial charges65/66B€23k€20k▼
Recurring financial charges65€367€898▲
Non-recurring financial charges66B€23k€20k▼
Profit (loss) for the period before taxes9903€13k€-4k▼
Income taxes67/77€7k€10k▲
Profit (loss) for the period9904€6k€-14k▼
Profit (loss) for the period to be appropriated9905€6k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€174k€155k▼
Profit (loss) brought forward from the previous period14P€168k€169k▲
Profit to be distributed694/7€6k€3k▼
Directors or managers695€6k€3k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 56 days late
2024
31-12
Financial
Weakest financial yearnet €-14k ▼341%
Net result drops to €-14k, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 3.25
Current ratio from 1.39 to 3.25; short-term debt falls from €199k to €34k.
21-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 82 days late
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €48k
Net result €48k after one loss-making year.
03-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 64 days late
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 180 days late
2020
31-12
Financial
Equity above €150kEq €174k ▲18.4%
3 profitable years in a row build equity to €174k.
23-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 115 days late
2019
29-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 60 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 61 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 61 days late
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
8 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Wemmel · 1 establishment unit since 1995
Ground area
201 m²
Building footprint
99 m²
Volume, LiDAR
784 m³
Parcel 22662B0415/00D005, Flanders · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
J. De Ridderlaan 109, 1780 Wemmel
since 19952.073.284.631
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22662B0415/00D005 | Flanders | 201 m² | 1 · 99 m² | 11.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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MAASLANDSE CENTRALE VERWARMING
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Cicero Technics & Maintenance
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Lightrail.be
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BVO-Clima
BE 0758.356.292
Brecht · Eq €168k
Of 875 companies in sector 33110 we hold annual accounts for 432. 329 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-05-1995
Fiscal year end31-12
Activities, NACEBEL
33110Repair and maintenance of fabricated metal products
41001General construction of residential buildings
45310
43222Installation of electric heating, air conditioning, cooling and ventilation
53200Other postal and courier activities
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.